Frequently Asked Questions
Yes, with most carriers you can pay your initial premium with your credit card. We also can take payments via electronic check. Absolutely. All life insurance carriers must comply with HIPAA laws. Because we are a broker, we can shop through several carriers to find the best rate. If you do nothing, rates will increase annually. However, our policy is not to let you get to that point but to have you lock into a new term. Simply because we specialize in working with legal professionals. Typically 4-6 weeks. Yes, all A-rated carriers require a small blood sample. The technicians are trained to make it as quick and painless as possible. Any person or entity with an insurable interest. The owner is responsible for making the premium payments and is the only one that can make changes to a policy. This decision should be made with your estate planner, but there are advantages to keeping the death benefit out of your gross estate. Most of our carriers will insure a non-working spouse for up to $500,000 or the same amount as the working spouse, whichever is less. Yes; all of our carriers offer Universal Life policies for minors, and one (Genworth) offers term. Certainly; we would be happy to take a look at any other coverage you have and see if it fits your needs.
Can I pay my premiums with a credit card?
Is my information safe?
If I don’t like the offer I receive, what can you do for me?
What happens at the end of the guaranteed term?
Why would I choose C&C over my local agent?
How long will the application process take?
Do I have to give blood?
Who can I name as my beneficiary?
What is the advantage of having a separate owner?
Should I put my policy in a trust?
How much coverage can my stay-at-home spouse buy?
Can I insure my minor children?
If I already have coverage with another agent, can you evaluate how it is performing?
